transport MCC 4111 By Spiddy Ng

Best credit card for SimplyGo Singapore

Bus/MRT via SimplyGo card mode. EZ-Link / TransitLink / SimplyGo top-ups are widely excluded. Modelled on S$300 spend. Miles and cashback ranked equally (miles at illustrative S$0.014). Author: Spiddy Ng.

Check before you swipe: Top-ups usually earn nothing.

Estimates only. We never invent rates — figures come from cards.json (dataset 2026-10-22). Affiliate links use rel="sponsored". See Disclosure and Methodology.

Named / MCC boosts we apply

sc-smart SimplyGo bonus
uob-one SimplyGo additional %
ocbc-365 land transport 6%

Modelling assumptions

S$300 SimplyGo transit fares (not top-ups). SC Smart lists SimplyGo as bonus merchant. UOB One lists SimplyGo for additional %.

Modelled as S$300 spend at this merchant in one calendar/statement month (unless noted).
Miles valued at illustrative S$0.014 each for ranking only (same as calculator).
UOB One: assume qualifying Tier ≥ S$1,000/mo + ≥10 txns (additional Grab/McD/Shopee/SimplyGo 5%, grocery add-on 2.67%) unless the merchant needs Tier 3 (Shell).
HSBC Revolution: standard bonus-points cap (9,000/mo), not Everyday Global ADB boost.
UOB Lady's: preferred-category bonus only when the merchant plausibly maps to Dining or Shopping; otherwise base 0.4 mpd.
SC Smart: when merchant is a listed bonus merchant, assume monthly eligible spend ≥ S$800 (8% bonus tier); otherwise other-eligible rate.
Transaction-block rounding (per S$5 / S$10) ignored. Caps applied where verified.
MCC codes are typical industry codes — issuers may code a merchant differently; always check your statement.

Ranked cards for SimplyGo

Card	Modelled rate	On S$300	Caps	Caveats & sources	Links
#1 SCSmartVisa Standard Chartered Smart Credit Card Verified cashback Merchant boost	8% bonus merchant (assumes ≥ S$800 total eligible spend)	S$24.00 est. cashback S$ ≈ S$24.00 rank value	No cap in verified T&C	At ≥ S$1,500 total eligible spend, bonus rate rises to 10% (not assumed here). Source: bank T&Cs · last checked 2026-10-22	Card No Creatory link
#2 OCBC365Visa OCBC 365 Credit Card Partial data cashback Merchant boost	6% land transport	S$18.00 est. cashback S$ ≈ S$18.00 rank value	S$160/mo cap; excl. EZ-Link/TransitLink top-up	Partial card data — confirm current bank T&Cs. Assumes ≥ S$800 total monthly spend for bonus rates. Base exclusion MCC list still a gap. Source: bank T&Cs · last checked 2026-10-22	Card Apply
#3 UOBOneVisa UOB One Card Verified cashback Merchant boost	Additional 5% on this merchant	S$15.00 est. additional cashback S$ ≈ S$15.00 rank value	Additional cashback capped S$120/statement month	Assumes Tier ≥ S$1,000/mo + ≥10 txns (additional rates). Source: bank T&Cs · last checked 2026-10-22	Card Apply
#4 UOBPRVI MilesVisa · MC UOB PRVI Miles Card Verified miles	1.4 mpd local SGD	420 est. miles ≈ S$5.88 rank value	No cap on base miles	Source: bank T&Cs · last checked 2026-10-22	Card Apply Apply
#5 DBSAltitudeVisa DBS Altitude Card Partial data miles	1.3 mpd local SGD	390 est. miles ≈ S$5.46 rank value	No cap stated for base earn	Partial card data — confirm current bank T&Cs. Source: bank T&Cs · last checked 2026-10-22	Card Apply Apply
#6 DBSChromoVisa DBS Chromo Card Partial data miles	1.3 mpd (miles mode) / cashback mode varies by age	390 est. miles (miles mode) ≈ S$5.46 rank value	Miles mode uncapped; cashback mode has category caps	Partial card data — confirm current bank T&Cs. Cashback mode (age 21–29) can hit 5% on top categories with caps — not auto-selected here. Source: bank T&Cs · last checked 2026-10-22	Card Apply
#7 CITIPremierMilesVisa Citi PremierMiles Card Partial data miles	1.2 mpd local SGD	360 est. miles ≈ S$5.04 rank value	Uncapped base miles (bank page)	Partial card data — confirm current bank T&Cs. Source: bank T&Cs · last checked 2026-10-24	Card Apply
#8 AXKrisFlyerAmex American Express Singapore Airlines KrisFlyer Credit Card Partial data miles	1.1 mpd general eligible	330 est. miles ≈ S$4.62 rank value	Uncapped (non-Grab)	Partial card data — confirm current bank T&Cs. Exclusion list not fully verified in our dataset. Source: bank T&Cs · last checked 2026-10-22	Card No Creatory link
#9 SCSimply CashVisa Standard Chartered Simply Cash Credit Card Partial data cashback	1.5% unlimited eligible	S$4.50 est. cashback S$ ≈ S$4.50 rank value	Unlimited	Partial card data — confirm current bank T&Cs. Source: bank T&Cs · last checked 2026-10-22	Card Apply
#10 HSBCRevolutionVisa HSBC Revolution Credit Card Verified miles	0.4 mpd base (1 pt/S$)	120 est. miles ≈ S$1.68 rank value	Base points uncapped	HSBC bonus list cites MCC 4121 (ride-hailing); SimplyGo bus/MRT (4111) not clearly listed — modelled at base. Assumes contactless or online payment where the bonus programme requires it. Source: bank T&Cs · last checked 2026-10-22	Card Apply
#11 UOBLady'sVisa UOB Lady's Card Verified miles	0.4 mpd base (not assumed preferred)	120 est. miles ≈ S$1.68 rank value	Preferred-category bonus not applied for this merchant	If you set Shopping (or another matching category) as preferred, earn may be higher — not auto-applied here. Source: bank T&Cs · last checked 2026-10-22	Card Apply
#12 CITIRewardsVisa Citi Rewards Card Partial data miles	1 Point/S$ (not in 10X MCC / online list for this merchant)	300 est. ThankYou Points ≈ S$1.20 rank value	Base uncapped	Partial card data — confirm current bank T&Cs. Illustrative S$0.004/point for ranking only. Source: bank T&Cs · last checked 2026-10-22	Card Apply

← All merchants · Card directory · Spend calculator